The financial tool of 2 billion people — now one tap away
Digital savings circles (ROSCA) in the USDC stablecoin.
Transparent rules · insurance pool · trust rating.
600+
years of the ROSCA model
~2 billion
people use it today
70+
countries: tanda, hui, chit, susu
01
The problem
Money is needed when it's needed — not on the bank's schedule
Saving is hard
Discipline breaks down when you're alone: there's always something
to spend the "set-aside" money on. Savings accounts pay little and lock your money up on someone else's terms.
Borrowing is expensive
Credit cards and payday loans charge tens of percent.
Banks demand history, paperwork and time — or simply say "no".
Half the world is outside the system
Billions of people have no access to proper
banking at all — and for centuries have solved it themselves, through circles of trust.
An old solution with old risks
Offline savings clubs work, but they hinge on
the organizer: opaque, with no protection against defaults, and a human single point of failure.
02
A solution proven over centuries
ROSCA: the circle chips in — each round, one member takes the pool
👥
Group
10 members 100 USDC per round each
💰
Pool
1000 USDC every round
🎯
Payout
one member takes the whole pool
🔁
Rotation
10 rounds — everyone gets a turn
Whoever needs money sooner gets a large sum early in the cycle.
Whoever is willing to wait earns the discounts of those in a hurry. Payouts always equal contributions:
the math is closed inside the circle.
This is not yield out of thin air. A ROSCA redistributes time, it doesn't print money —
which is why the model has lived for 600 years and doesn't depend on an inflow of new members.
03
Product
Three circle types — for three temperaments
🔨 Auction
The round's pool goes to whoever offers the biggest discount.
The discount is distributed among the patient members. For those who know how to count their advantage.
🎰 Lottery
The round's winner is chosen at random. Part of the pool goes to the winner
immediately, part accumulates in the jackpot and loyalty bonuses. For those who enjoy the thrill without losing their stake.
🔒 Safe
A fixed queue with no bidding. A predictable payout date,
calm savings discipline. The ideal first circle.
All terms — contribution, rounds, fee, deposit — on the circle card before joining
Contributions and payouts in the USDC stablecoin: no volatility inside a cycle
PWA app: works on any phone, sign in via Telegram, Google, or email
04
Economics
Where the money comes from and where the fees go
Member payouts always come from their own circle's contributions. The platform earns
a transparent fee, stated on the circle card.
Treasury
Operations, development, platform security.
Insurance pool
Covers a member's missed contribution — the circle doesn't suffer,
and the member repays the debt out of their future inflows.
Partner payouts
Rewards for those who bring in members —
paid from the platform fee, not from circle pools.
The key principle: circle money and platform money are kept separate.
The fee never touches a round's pool beyond what's shown on the card.
05
Trust and protection
Discipline is built into the rules
Full reservation. In short circles the entire contribution schedule is reserved at entry —
each round's pool is guaranteed, and "disappearing after your payout" is impossible.
Refundable security deposit. Paid at joining, returned after the final round.
Insurance pool. One missed contribution is covered interest-free; the debt is repaid out of
the member's future inflows.
ROSCA score. A discipline rating: reliable members get softer terms, those who break the schedule —
restrictions.
Manual verification of money operations. Deposits are confirmed against the actual on-chain transaction,
withdrawals are reviewed by an administrator — the beta's anti-fraud loop.
Transparent history. Every movement of funds appears in the user's transaction log.
06
Partner program
Earn as the community grows
Two levels of rewards for referred members — paid from the platform fee,
without touching circle money.
L1 — your invitees
A percentage of the contributions of every member
who joined through your link — automatically, for each of their circles.
L2 — their invitees
A smaller percentage of second-level contributions.
Two levels are enough: there are deliberately no deep "matrices" here.
A personal link roscash.org/ref/your-code — click and signup attribution
Partner dashboard: your full structure, accruals and payout history
Accruals appear in the transaction log — verifiable at any moment
07
Where we are now
The beta is live. We're inviting the first members
Working today
Circles: Auction, Lottery, Safe — full cycle in production
9 interface languages, PWA, Telegram sign-in and notifications
Next
Automatic deposit crediting on all networks
Personal deposit addresses (CEX model)
Higher limits as we exit beta
New circle formats and member AI assistants
An honest beta: limits on amounts, manual review of
money operations, and gradual scaling. We grow trust the same way a circle grows — round by round.
ROSCASH is a service that organizes savings circles. Not a bank, not a deposit account, not a lending
institution, and not an investment product. Participation involves a commitment to a contribution schedule:
review a circle's terms before joining. roscash.org · 2026